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While we can’t guarantee dividends every year, Texas Mutual Insurance Company has returned over $1.6 billion to safety-conscious

policyholder owners since 1999. Texas Mutual Insurance Company is rated ‘A’ by A.M. Best Company.

Your Clients Belong at the Corner of Safety and Dividends.

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where Safety and Dividends come together. And it’s where your clients belong.

Learn more about safety-focused workers’ comp at WorkSafeTexas.com.

PRESIDENTIAL ADDRESS

IIAD this current year have had several luncheon speakers visit about the value of “Industry Best Practices” for agency operations. Our emphasis on Best Practices is to remind our membership of the value of numbers that can be tools to determine proper staffi ng, manage expense ratios and profi tability. We encourage all our members to review and utilize Best Practices Study to better understand performance of business operations. The measurement of your operation and comparison to top performing agencies is invaluable to your success. Results of agency operations include: · Income and Expense· Revenue and Profi tability· Sales and Service Staff compensation and productivity· Technology Expenses· Carrier representation· And much more The study can be purchased from the Independent Insurance Agents & Brokers of America. IIAD Board of Directors continue to think and brainstorm ways to provide quality programs to our membership through Best Practices,

Education, All Industry Day activities, Young Agents, Golf Event, Monthly luncheons, Community Service and Invest. We conduct our annual survey as a tool and opportunity for our members to inform us of their needs and ideas to enhance and foster the Independent Agency System. Our hope is that you will be an active participant in our events and always voice your opinion as to our performance in supporting our membership partners.

Best Wishes for Profi table Success, Your President, Brook Crawford

Our hope is that you will be an active participant in our events and always voice your opinion as to our performance in supporting

our membership partners.

“”

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EXECUTIVEADDRESS

TRIIAD is the new IES initiative launched at the end of the last fi scal year. The acronym stands for “Training, Recruiting for IIAD”, so an acronym within an acronym, (just because we don’t have enough acronyms in our industry already!) The purpose of this program is to serve a growing need for the development of new service talent for our industry. Everywhere we turn we are hearing statistics about our aging workforce and the devastation that will occur when the “silver tsunami” hits. Proactively seeking out a solution for this impending problem, our IIAD & IES Boards have created TRIIAD to provide trained and licensed entry-level agency candidates.

To date, we have had four individuals successfully complete the program, and have placed two. There are two candidates looking to enter the workforce. The candidates “graduate” from TRIIAD with a license, AMCL designation and basic technical instruction, including management system training. A media campaign to reach college and high school students is in place,

but more candidates are needed. Please be on the lookout for additional aspirants that are interested in a challenging, but rewarding career in insurance. IES Director Jaimee Goehring will be happy to discuss the parameters of the TRIIAD program and meet with prospective applicants.

Usually at this time of year, things are slowing down a little at IIAD. As I write this, we are still waiting to hold our golf tournament. Mother Nature has not played nicely with us, and “Bill” is currently wreaking havoc on our friends in Houston, Austin, and quite frankly all around Texas. We would like to encourage those that are able to contribute to a special IICF fund set up to help people devastated by the fl ooding and tornadoes. Please head to our website, click the link, and make your pledge, or visit http://bit.ly/IICFFloodRelief. Our goal is to raise $50,000 to be matched by IICF’s National Board. Together, we can make a difference.

TAMMY LANDEXECUTIVE DIRECTOR OF IIAD,

Together, we can make a difference.“

”

Gary LINDSEYYoung agents president,

YOUNG AGENTSPRESIDENTIAL ADDRESS

As the IIAD year comes to a close, I would like to take this opportunity to express my gratitude to IIAD, its staff, and the membership for allowing me to serve as the Young Agents President. It has been an honor and a privilege to work with some of the finest insurance professionals Dallas has to offer. We are fortunate to have such fine people within our industry, and I look forward to continuing to achieve our mutual goals together.That being said, I would like to introduce David Shotts with USI Southwest as the new Young Agents President, and Lindsey Kluempers of Boyd, Shackelford, and Barnett, who will serve as his Vice-President. I have no doubt they will both do a fine job.This year was such an amazing experience. From the well-attended Young Agent Socials, to the thoroughly enriching philanthropic endeavors, it has been a truly rewarding journey. With your help, the Dallas Young Agents were able to improve the lives of many groups of people, while having a good time. Thank you all again for your support; as I look forward to continuing to participate with the IIAD and Young Agents, and wish every one of you a fantastic finish to 2015.

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11

iiad in the CommunityPictured to the left is (LtoR) Tammy Land, Bill Henry, and Denise Tucker standing in front of a $10,000 check gifted to the Woodrow Wilson Academy of Finance Program at the IICF Texas-Southeast Grantee Reception. Below are pictures from the April Academy of Finance Expo that took place at IIAD’s office. Twenty-two students from the Academy of Finance at WWHS participated in this event. The initial feedback the students provided from the “Dress for Success” and “Interviewing Techniques” sessions was very positive. IIAD also provided soft skills learning and by mentoring these young people offered a shining example of what our

industry community does best: help others.

With more than 30 of the top brokers and underwriters in Texas, providing resources to help you win business

and grow is always on our to-do list.

AmWINS Brokerage of Texas has expertise in a variety of industries and coverage types including:

Property – all lines including catastrophe perils

Casualty – all lines including energy, construction and manufacturing

Financial Services – D&O, E&O, cyber and professional

Energy – upstream & downstream and control of well

Transportation – short haul, long haul and commercial auto

Worker Injury – workers’ compensation and non-subscription (TX and OK)

Binding Authorities – property, casualty, transportation and packages

Contact any AmWINS Brokerage of Texas broker or underwriter for assistance.

Dallas Office 5910 N. Central Expressway | Suite 500 | Dallas, TX 75206 | 214.528.3999

Houston OfficeTwo Greenway Plaza | Suite 400 | Houston, TX 77046 | 713.481.1680

With more than 30 of the top brokers and underwriters in Texas, providing resources to help you win business

and grow is always on our to-do list.

AmWINS Brokerage of Texas has expertise in a variety of industries and coverage types including:

Property – all lines including catastrophe perils

Casualty – all lines including energy, construction and manufacturing

Financial Services – D&O, E&O, cyber and professional

Energy – upstream & downstream and control of well

Transportation – short haul, long haul and commercial auto

Worker Injury – workers’ compensation and non-subscription (TX and OK)

Binding Authorities – property, casualty, transportation and packages

Contact any AmWINS Brokerage of Texas broker or underwriter for assistance.

Dallas Office 5910 N. Central Expressway | Suite 500 | Dallas, TX 75206 | 214.528.3999

Houston OfficeTwo Greenway Plaza | Suite 400 | Houston, TX 77046 | 713.481.1680

13

Independent Insurance Group hosted their Spring “Food Truck” Picnic on Friday, April 17th, 2015. Many people came to chow down on sliders, mini cupcakes, and socialize. IIG hosts several fun events like this throughout the year to promote their fun workplace

culture.

IIAD MEMBERS IN THE COMMUNITY

Pictured to the left are employees of Burns & Wilcox standing by their clothing donation for the “Career Closet”. The Career Closet is an IIAD initiative that helps get students from Woodrow Wilson dressed in business professional attire. IIAD continues to accept donations for the Career Closet throughout

the year.

IT TAKES WORK TO CLIMB TO THE TOP...

Help someone take the first step.If you’re looking to hire a career driven candidate or you know someone who is ready to take the next step in their career, TRIIAD is here to help.

OVERVIEW

The Insurance Employment Services in conjunction with The Independent Insurance Agents of Dallas have the connections and the tools required to propel youngand motivated candidates toward a successful career. Our T.R.I.I.A.D program has been specially designed totrain and prepare candidates for a future in the insurance industry. For 5 weeks, chosen participants will be provided with the following:

• P&C General Agents License Class & Test• Account Manager Commercial Lines (AMCL Designation)• Basics of Commercial Insurance Training Class• Interview Preparation & Coaching• Job Placement

BENEFITS

Upon the completion of our T.R.I.I.A.D Program,participants will be assisted in job placement atpositions starting with a salary range of $30,000-$35,000

For More Information Contact:Jaimee Goehring, CIC, CISRIndependent Insurance Agents of DallasInsurance Employment Services Director12001 North Central Expressway, Suite 100Dallas, TX 75243Office:(214) 360-0794jaimee@iiadallas.org www.iiadallas.org

Independent Insurance Agents

of Dallas

1883

EST.

A Career Initiative Program

15

Member Spotlight: ANNABEL WILLIAMS, AIG

Annabel Williams, Regional Travel Risk Specialist for AIG, spends some free time on her weekends teaching Turbo Kickboxing and Dance Cardio at a posh womens-only class studio near downtown Dallas. Pictured above is her teaching Dance Cardio at her Saturday morning class. Annabel is an active IIAD member through her work with the Young Agents Committee as head of the Education sub-committee, her

involvement with InVEST, and her involvement with All Industry Day.

If you take part in an interesting activity outside of work and would like to be featured in the Dallas Insurance Insider,

please contact 214-217-2900 for consideration.

17

Great American Insurance and AmWins partnered together to bring the Young Agents a sand volleyball tournament on Thursday, May 28th, at Sandbar Cantina and Grill. The event drew in over

100 insurance professionals and a few showcased their skills (and lack thereof) in the sand.To sponsor a Young Agents event, contact Elizabeth Nelson at 214-217-2900.

2015 IIAD Golf Tournament: FUN IN THE SUN

Despite the 2015 Golf Tournament being rescheduled due to Texas rain and flooding, the Dallas Athletic Club saw 288 IIAD members golfing, eating, drinking, and having a great time on both courses during THE tournament on JUNE 22nd. HERB’S PAINT AND BODY PROVIDED A GREAT KICKOFF TO THE DAY WITH BRATS AND LUNCH GOODIES WHILE GOLFERS

LISTENED TO LIVE AMERICANA MUSIC. THE COURSE WAS FILLED WITH GOODIES INCLUDING tacos and DIY ICE CREAM SUNDAE BOOTHS, ALCOHOLIC AND NON-ALCOHOLIC BEVERAGES, AND

VARIOUS COMPANY SWAG.

SOUTHERN COMFORT FOOD WAS SERVED FOR DINNER AND IIAD ANNOUNCED THE WINNERS ON BOTH COURSES. THE GUTS AND GLORY SHOOTOUT TOOK PLACE DURING DINNER AS WELL, ALTHOUGh WE KNOW A FEW OF YOU SNUCK OUT BEFORE DINNER AND WE DONT BLAME YOU- IT WAS PIPING HOT OUTSIDE! AT

LEAST WE COULD ENJOY THE RAIN AND LOW SUMMER TEMPeratures WHILE THEY LASTED.

THE TOURNAMENT HAD A 50/50 MIX OF AGENTS AND CARRIERS/VENDORS AND IIAD WILL CONTINUE TO FACILITATE INDUSTRY BUSINESS DEVELOPMENT THROUGH ITS EVENTS AND FUNCTIONS. IF YOU WANT TO RECOMMIT TO A SPONSORSHIP IN 2016, PLEASE CONTACT TAMMY LAND AT TLAND@IIADALLAS.ORG. SEE

YOU ON THE COURSE NEXT YEAR!

OUR 2015 GOLF COMMITTEE WORKED HARD TO BRING YOU A SUCCESSFUL DAY: Bruce Klingman, Bruce Sams, Christi White, Debbie Hubbell, Sherry Doty, Drew Brown, Erin VanGieson, John Losurdo, Lindsey Kleumpers, Lori Snelson, Lynette Chastain, Marti Powell, Matt Orlie, Paul Fredette, Raeshel Parker, Rick Pooler, Robert Ferguson, Roy Powell, Terry Banks, Toni Campbell, and

Annabel Williams.

Thank you for your hard work and decidation to our industry.pictures from the tournament are featured throughout this magazine.

19

MEMBERSHIP BENEFITS

We at IIAD are very proud of the services and benefits we bring to our industry. From recruiting and

networking to education and young professional forums, IIAD is here to serve.“

Tammy Land, IIAD Executive

Director

RecruitingSave money by using IIAD’s in-house recruiter, Jaimee Goehring! Not only will your find your future star employee, but you’ll do it for a fraction of a traditional recruiter’s Finders Fee!

NetworkingNo need to search out carriers throughout the Dallas-Fort Worth metroplex, meet them at one of our networking events!

EducationAttend our lectures and seminars held throughout the year and learn more about topics that regularly affect your business.

WELCOME NEW IIAD MEMBERS!

21

NEW IIAD MEMBERS

David Rembert AgencyDavid Rembert8235 Douglas Ave #625Dallas, TX 75225214-368-1445

American Underwriting ManagersNena Boyd365 Miron Dr. Ste DSouthlake, TX 76092

CofaceAnthony Fleo800 East Campbell RdRichardson TX 75081www.coface-usa.com

Allied World Insurance CompanyKaycie Berley15601 Dallas Parkway Ste 1025Addison, TX 75001www.awac.com

TEAM InsuranceElizabeth Koval16160 LBJ FreewayMesquite, TX 75150

Connect InsuranceRobert Arnold and Brad Smith2500 Legacy #120Frisco, TX 75034www.connectinsurance.com

Advanced E&S GroupApril Moeser/Lisa Sherman5000 Quorum Dr. Suite 525Dallas, TX 75254www.advancedesgroup.com

Greenwood InternationalJohn Fisher2800 South Interstate Highway 35Suite 275Austin, TX 78704palig.com/gwi

Euler HermesStephen Fox15301 Dallas Parkway Suite 1060Addison, TX 75024

Sure TecAllsion Bond5741 Legacy Dr.Suite 210Houston, Plano 75024

The Dallas real estate market is sizzling again, outpacing the national home price average by more than 2-to-1 according to the most recent Case-Shiller Home Price Index.

Strong economic growth throughout the region has, in part, spurred the market, resulting in numerous competitive offers for houses that hit the market, and sales agreements being in place before some homes are even listed. This is especially true among higher-valued properties where “hip-pocket sales” have become de rigueur.

So what does this mean for retail insurance agents? Well, for those with clients who’ve recently purchased a home, it means it’s a great time to make sure they are adequately covered across all lines

Hot Real Estate Market Is Perfect Opportunity to Help High-Net-Worth ClientsBy Chelsea Davis, AINS

23

of business – auto, personal articles, umbrellas and other boutique coverages. In particular, it’s a great time to re-assess policy packages for high-net-worth insureds who need access to carriers who specialize in those classes of business.

Even for those clients who have not recently purchased a home, it’s a good time to look at any changes in coverage needs. A lot of people are in better financial standing than they have been for years. We’ve seen instances where high-net-worth clients have uninsured or underinsured exposures. Some of them have made new purchases that are not insured, either because they are unaware these coverages exist or incorrectly assume their standard homeowner policy will cover these items. Some simply remain exposed after cutting back coverages after the recession hit in 2008.

The situation of underinsured high-net-worth customers is certainly nothing new. A 2013 white paper by ACE Private Risk Services showed that families with substantial assets who insure their homes, autos, watercraft and valuable collections with mass market, heavily advertised carriers overpay for protection that still leaves them exposed to severe financial loss.

ACE Private Risk Services surveyed more than 600 independent agents and brokers in 2010 and again in 2012 about their new high-net-worth clients who were previously insured by a mass-market carrier. The agents’ answers revealed that overpaying to be underinsured worsened overall. On average, more agents in 2012 than in 2010 said each type of coverage was likely underinsured and each savings opportunity was likely missed.

One way that retail agents can make sure this doesn’t happen is by educating wealthy customers on how the specialty insurance markets can do a much better job of meeting their needs than the standard offerings of direct writers. This is where the solid relationships between carriers, brokers and retail agents become invaluable.

While agents must pay attention to details and provide great risk management services, experienced brokers can help to ensure they aren’t overlooking anything and can help them get the very best coverages for their clients. Agents must go beyond just quoting policies and become true risk management advisors in order to uncover all possible risks, quantify their impact on the insured and ultimately provide solutions to protect them. Agents who can do this become a highly valuable and important long-term resource for their clients.

While we encourage all agents to review policy packages annually, it’s important to keep in mind that these kinds of market trends present a unique opportunity to assist clients. Use them to give your clients the coverages that best suit their ever-evolving needs.

Brokerage. Underwriting. Programs. The new CRC family of companies delivers. Across our eight wholesale-dedicated brands, we have experts who can place risks of any size for nearly any industry.

Our 54 offices, 1,700 employees, and 300 brokers and underwriters wrote more than $4 billion in premium last year. We are ready to introduce you to our growing family and say, "Welcome home to the new CRC!"

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14001 North Dallas Parkway Suite M100 Dallas, TX 75240972.371.7000 Phone866.723.6510 Toll Free972.371.7010 Fax

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25

27

29

Golf Tournament Sponsors

31

The 2015 IIAD Golf Tournament awarded 1st, 2nd, and 3rd place

winners on the Blue and Gold Course.

First Place Winners on the Blue course: Greg Parr, Bryan Walls, Barry

Sans, Robert Collins

First Place Winners on the Gold course:Jarrod Gardner, Lucas Boyd,

Adam Swope, Curtis Beadling

Thank you all for participating. Keep working on your swing and maybe you

too can place next year!

Golf Tournament Champions

© 2012 Western Security Surplus, WSS is a licensed Surplus Lines Broker and MGA dealing exclusively with licensed and appointed Retail Insurance Brokers.

California Insurance License #0622580 • Texas License: #15210

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33

IIAD Summer Intern: Kathryn Beatty

Kathryn Beatty, a senior at Princeton High School, is interning with IIAD during the summer months through an internship program called Education is Freedom

(EIF). She currently lives in Seagoville, but is moving to Princeton so her father can

have a shorter commute.

On top of interning for IIAD (which she “absolutely loves”), she is involved in a plethora of dynamic activities that keep her active: advanced placement courses, theater and drama club,

varsity volleyball and softball, and the mock trial team. In her junior year, her classmates voted and elected her to be “Junior Lady,” which is a part of the

Homecoming court.

While she doesn’t have much spare time after her school and extracurricular activities, Kathryn (Kat) dives into mystery novels, draws illustrations in her sketchbook, takes action and sports photos, and cooks Sunday dinner for her family. In addition to her human family, she has three dogs including a Border Collie, Jack Russell Terrier, and Basset Hound. Adding some flair to her house pets, Kat is also the proud owner and caretaker of an African

Grey parrot named Stubbie, who is known to greet visitors and make banter at the smell and sizzle of bacon. Stubbie is a successful graduate of Kat’s ESOL (English as a Second Language) program, as his first language was

Spanish. Perhaps teaching is in her future.

Speaking of her future, Kat is in the process of picking and selecting a college to attend. She has had her heart set on UT for the majority of her life, but a recent visit to TCU opened her eyes and made her realize that she has options. Although she is unsure what she wants to major in, math is currently has favorite subject; maybe IIAD can guide her into a future as an Actuary.

Kat will be in our office during the months of June and July, so please stop by the office to give her a warm welcome to our organization.

TEXASNON-SUBSCRIBERINSURANCE

For More Info contact:

Toni Campbell972.523.0858

tcampbell@midman.com

WHY MIDLANDS FORTEXAS NON-SUBSCRIPTION?

• EASE OF DOING BUSINESS. Our program is one of the most agent- and insured-friendly in the industry. For example, insureds can use existing ERISA Plans and Arbitration Agreements.

• EXPERTISE. Our agents benefit from our more than 35 years combined employer benefits underwriting experience. New to Texas Non-Sub? Midlands will provide training and assistance at your discretion.

• SUPERIOR TPA SERVICES. With a full list of services available, you and the insured are supported and protected every step of the way.

• INDUSTRY LEADER. Midlands proprietary Texas Non-Sub program was developed in partnership with an "A" rated AM Best Carrier, Fitch Financial Strength Rating "A". For more than two decades Midlands has been a leader in the employee benefits space.

TEXASNON-SUBSCRIBERINSURANCE

For More Info contact:

Toni Campbell972.523.0858

tcampbell@midman.com

WHY MIDLANDS FORTEXAS NON-SUBSCRIPTION?

• EASE OF DOING BUSINESS. Our program is one of the most agent- and insured-friendly in the industry. For example, insureds can use existing ERISA Plans and Arbitration Agreements.

• EXPERTISE. Our agents benefit from our more than 35 years combined employer benefits underwriting experience. New to Texas Non-Sub? Midlands will provide training and assistance at your discretion.

• SUPERIOR TPA SERVICES. With a full list of services available, you and the insured are supported and protected every step of the way.

• INDUSTRY LEADER. Midlands proprietary Texas Non-Sub program was developed in partnership with an "A" rated AM Best Carrier, Fitch Financial Strength Rating "A". For more than two decades Midlands has been a leader in the employee benefits space.

35

Clear Skies, Full Lakes, Can Loseby Jason M. Pond, Swingle Collins

Boating season is finally here! Thanks to all of the rainfall in North Texas this year, lake levels are high and ready for some summer fun. Whether you own a boat, jet ski, yacht or house boat, it is important to take a moment to review the watercraft’s insurance policy as well as general boating safety procedures before setting out

on the water.

When reviewing your watercraft insurance policy with a trusted insurance advisor, be sure to remember to go over a few key points such as operator age requirements and potential exclusions. In the state of Texas, it is a requirement that all watercraft operators be

a minimum of thirteen years of age with a boater’s license. This requirement varies by state.

It is also important to note that state boater laws may not be recognized by your insurance carrier, meaning that certain policies may require boat operators to have their motor vehicle license in order to be covered under your

policy.

Some policies also hold a “dusk to dawn” exclusion meaning that coverage may be altered and reduced between dusk and dawn. Another exclusion that may appear is the towing exclusion. In the event that a boat or jet ski gets stuck on a sand bar or runs out of gas, the watercraft will need to be towed. Be sure to review this potential

exclusion and ensure proper coverage is obtained.

In addition to reviewing your watercraft insurance policy, it is equally important to refresh everyone’s memory on boating safety procedures. Here’s an example of a brief safety checklist:

-Clearly communicate where you are going on each boat ride and the amount of time you will be away -Ensure the watercraft’s radio communications are functioning properly -Remain updated on the day’s weather forecast -Check fuel and fluid levels before embarking on the water -Store life preservers on the boat for the number and sizes of passengers on board -Become CPR certified in case of an emergency -Stay up to date on the latest boating education

The summer is meant to be filled with fun in the sun. Do not let these potential risks prevent you from enjoying your time. Partner with a trusted insurance advisor to gain the proper protection available. Swingle Collins & Associates Personal Lines team is knowledgeable in watercraft insurance and is eager to serve each potential client.

Tammy LandExecutive Director of IIAD

Jaimee GoehringDirector of

Insurance Employment Services

Jennifer TurnerExecutive Administrative Assistant of

IIAD

IIAD’s Account Manager Certification Program is a blend of online and classroom training courses that will set the foundation of knowledge about Commercial lines that a new Account Manager needs to be successful in an

independent agency.

Each track includes online training, provided by WebCE, intended to cover an overview of the lines and two ½ day classroom courses taught by experienced IIAD members discussing the lines in more detail; adding

real-world experience and examples to the concepts.

Participants will need to complete the WebCE 7-hour online training first; then, register for two separate half-day sessions

of classroom trainings taking place at the IIAD Conference Center.

AMCL costs $300 for IIAD members and $450for others. For more information, visit www.IIADallas.org

Exclusively available through WebCE & IIADACCOUNT MANAGER COMMERCIAL LINES

Independent Insurance Agents of Dallas has teamed up with WebCE, the leading insurance continuing education provider in North America, to bring you a unique

certification program designed specifically for the Account Manager.This course is offered quarterly.

37

2 MYRON STEVES www.myronsteves.com

4 TEXAS MUTUAL www.texasmutual.com

6 HULL & CO www.hullco.com 8 GENESIS RESOURCES www.genesisresources.com

10 BURNS & WILCOX www.burnsandwilcox.com 12 AmWINS BROKERAGE OF TEXAS www.amwins.com

14 TRIIAD WWW.IIADALLAS.ORG

24 CRC | CRC CRUMP www.crcins.com

30 chubb www.chubb.com

31 western security surplus www.wssib.com

32 HERB’S PAINT AND BODY www.herbspaintandbody.com

34 MIDLANDS WWW.MIDLANDS.COM

AMERISAFE WWW.AMERISAFE.COM

36 u.s. risK www.usrisk.com

39 APPLIED SYSTEMS WWW1.APPLIEDSYSTEMS.COM

40 SERVICE LLOYDS INSURANCE COMPANY www.servicelloyds.com

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